905 Cobble Dr, Richmond, KY 40475 Property Records

Madison County property record for 905 Cobble Dr, Richmond, KY 40475

Property Summary

Property Type	Single Family Home
Details	2,560 sqft
Lot Size	0.219 acres (9,583 sqft)
Owner	Individual Name on Record
Last Sale	$247,500 (Jan 2022)
Tax Bill	$2,659 (2025)
Deeds & Mortgages	Aug 2019 Mortgage Jan 2026 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`0068-0002-0073`

Property Details

APN / Parcel Number

Primary APN	`0068-0002-0073`
Alternative APNs	`134864` `97658` `64816`

Interior

Stories	2 Stories
Building Area	2,560 sqft Living Area

Exterior

Exterior Material	Aluminum/Vinyl
Lot Area	9,583 sqft (0.219 acres)
Garage Type	Attached
Garage Area	399 sqft
Parking Spaces	1 Parking Space

Location & Zoning

Account Number	64816
Street Address	905 COBBLE DR
City	RICHMOND
State	KY
Zip	40475-8317
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	FIELDSTONE LOT 73
Legal Subdivision	FIELDSTONE
Legal Block	1
Legal Lot Number	73
Jurisdiction	MADISON KY
Township / Civil Division	RICHMOND
Census Block Group	1
Census Block	1014
Census Tract	10301

Owner

Source: Madison County records, as of December 8, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Co-owner	Co-owner on Record
Mailing Address	905 COBBLE DR, RICHMOND, KY 40475-8317
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 29, 2019	Deed of Trust, Mortgage · VA Mortgage NATIONSTAR MORTGAGE LLC
Jan 14, 2026	Warranty Deed, Transfer · FHA Mortgage PENNYMAC LOAN SERVICES LLC
Jan 13, 2022	Deed, Transfer · Conventional Mortgage WESBANCO BANK INC
Sep 19, 2018	Warranty Deed, Transfer · VA Mortgage CENTURY LENDING CO
Sep 15, 2005	Deed, Subdivision Related Transfer · Line of Credit BEAZER MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 13, 2022 · Amount on Record
Deed Sale	Jan 13, 2022 · Amount on Record
Prior Sale	Sep 19, 2018 · Amount on Record
Deed Document Number	2014072320
Deed Book / Page	D817 / 216
Record Updated	Sep 20, 2026

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MADISON KY
Property Address	905 COBBLE DR, RICHMOND, KY 40475-8317
Transaction Type	Mortgage
Record Updated	Jun 29, 2026
Title Company	TITLE 365, TITLE365

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	M01884/074
Date	Aug 29, 2019
Book Page	M01884/074
Instrument	2013997891

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2049

January 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MADISON KY
Recording Date	Jan 14, 2026
Property Address	905 COBBLE DR, RICHMOND, KY 40475-8317
Document Number	00D878/313
Book / Page	D878 / 313
Map Reference	CAB 23 PG 101
Instrument Date	Jan 7, 2026
Instrument	2014311583
Transaction Type	Transfer
Record Updated	Jun 29, 2026
Title Company	TREY TITLE LLC, TRUE TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$330.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	477 OPOSSUM KINGDOM RD, BEREA, KY 40403-9512

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	905 COBBLE DR, RICHMOND, KY 40475-8317

Mortgage

Document Number	2014311588
Date	Jan 14, 2026
Instrument	2014311588

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2056

January 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	MADISON KY
Recording Date	Jan 13, 2022
Property Address	905 COBBLE DR, RICHMOND, KY 40475-8317
Document Number	00D817/216
Book / Page	D817 / 216
Map Reference	CAB 21 PG 232
Instrument Date	Jan 10, 2022
Instrument	2014072320
Transaction Type	Transfer
Record Updated	Jun 29, 2026
Title Company	BLUEGRASS LAND TITLE, BLUEGRASS LAND TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$247.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	133 WESTBOURNE CT, RADCLIFF, KY 40160-8960

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	905 COBBLE DR, RICHMOND, KY 40475-8317

Mortgage

Document Number	2014072323
Date	Jan 13, 2022
Instrument	2014072323

Lender

Name	WESBANCO BANK INC
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2052

September 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MADISON KY
Recording Date	Sep 19, 2018
Property Address	905 COBBLE DR, RICHMOND, KY 40475-8317
Document Number	D00764/608
Book / Page	D00764 / 608
Map Reference	CAB23 PG101
Instrument Date	Sep 10, 2018
Instrument	2013982134
Transaction Type	Transfer
Record Updated	Jun 29, 2026
Title Company	EXETER TITLE COMPANY, EXECUTIVE TITLE CO

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$185.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	905 COBBLE DR, RICHMOND, KY 40475-8317

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	905 COBBLE DR, RICHMOND, KY 40475-8317

Mortgage

Document Number	2013982135
Date	Sep 19, 2018
Instrument	2013982135

Lender

Name	CENTURY LENDING CO
Type	Lending Institution

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2048

September 2005: Deed, Subdivision Related Transfer

Document Type	Deed
Jurisdiction	MADISON KY
Recording Date	Sep 15, 2005
Property Address	905 COBBLE DR, RICHMOND, KY 40475-8317
Document Number	0D0596/257
Book / Page	D0596 / 257
Map Reference	CAB21 PG232
Instrument Date	Sep 2, 2005
Instrument	353208
Transaction Type	Subdivision Related Transfer
Record Updated	Jun 29, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$161.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1792 ALYSHEBA WAY, LEXINGTON, KY 40509-2288

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Right of Survivorship
Address	905 COBBLE DR, 40477

Mortgage

Document Number	0000353209
Date	Sep 15, 2005
Instrument	353209

Lender

Name	BEAZER MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2035

Tax Assessment & Valuation

Source: Madison County assessment roll, as of April 1, 2025

Property Jurisdictions

Type	Name
State	Kentucky
County	Madison County
Municipality	Richmond City
Unified School District	Madison County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$2,659.00 (+10.79%) Additional exemption filed	$282,000 (+13.94%)	$282,000 (+13.94%)
2023	$2,400.00 (+7.29%)	$247,500 (+7.61%)	$247,500 (+7.61%)
2022	$2,237.00	$230,000	$230,000

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective December 21, 2017 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 8 (10% premium discount)
Nearby Flood Policies	2 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · lower than 63% of Kentucky
Wildfire Likelihood	0.02% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	RICHMOND UTILITIES serves 35,640 people · EPA ID KY0760370
Water Source	Surface water
Last State Inspection	Nov 2024
Lead	Under 1 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Lead service line inventory Oct 2024
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 353 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Metronet Fiber	5,120 / 5,120
AT&T Fiber	5,000 / 5,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000

May also be available: Verizon.

Nearby Properties on Cobble Dr

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures